Cashier

Position Details

This opening is for a Cashier in the Branch Banking department at branch level. The grade for the role is AM-II, and it is a full-time position reporting to the Branch Operation Officer. There is no direct reporting line for this position.

Role Purpose

The cashier will manage branch cash transactions and related operational work in line with internal and external banking rules. The role also includes recording entries in the relevant registers or systems and completing end-of-day reconciliation.

Role Scope

• Daily cash transactions
• CRL limit
• Branch audit
• ATM/vault

Key Responsibilities

Business

• Support smooth branch functioning by processing cash transactions accurately and on time, along with related account maintenance.
• Own the branch cash-handling activity, including receiving and processing cheques, drafts, dividend warrants, pay orders, and similar instruments other than bills, within approved limits, while providing counterfoil acknowledgements.
• Issue cash for withdrawal requests and accept cash against deposit challans.
• Collect loan repayments as per the EMI plan and update the required system records.
• Maintain inward and outward registers, petty cash records, asset registers, and submit requisition forms to the Regional Head Office.
• Match cash balances against transaction books and vouchers every day and include the results in the branch end-of-day report.
• Share responsibility for cash custody and branch vault operations together with the operations officer.
• Speak with customers during deposits and disbursements, understand their needs, spot cross-sell opportunities, and inform them about Ujjivan’s products and services.

Service Quality

• Deliver prompt and courteous service that addresses customer needs effectively.
• Route customer complaints and questions to the right authority without delay.
• Clearly explain repayment dates and support contact numbers during disbursement, and answer customer questions politely.
• Guide customers to use alternate channels for deposits, withdrawals, and enquiry-related needs.

Operations

• Count and verify cash at the start of the day and again at closing before vaulting.
• Keep branch cash, keys, and other valuables secure jointly with the Assistant Branch Manager, and help ensure the cash department runs efficiently.
• Meet the defined turnaround time for all transactions.
• Follow all applicable regulations and bank policies for cashiering and cash management processes.
• Account for and verify loan repayment transactions.
• Check customer identity authenticity during cash withdrawals.
• Ensure deposit slips are accurate as per audit standards.
• Update passbooks whenever transactions require it.
• Prepare cash bundles for currency chest deposit with note slips.

Learning and Performance

• Stay updated on Ujjivan’s products, services, regulatory requirements, and know-your-customer principles.
• Complete certification programs arranged by the operations department.
• Attend mandatory training programs and meet required training man-days.
• Complete goal setting, mid-year review, and performance appraisal steps within the prescribed timelines.

Requirements

• Any graduate is eligible, with preference for candidates from Finance or Commerce backgrounds.
• At least 1 to 2 years of experience handling high-volume cash is needed.
• Prior exposure to entering data in financial modules or ERP systems is required.
• Experience in consolidating accounting data is expected.
• Knowledge of cash handling and accounting procedures is essential.
• Ability to identify counterfeit notes and manage cash carefully is important.
• Working knowledge of computers is mandatory.
• Basic familiarity with relevant software is needed; on-the-job training will be provided.
• Strong numerical ability and multitasking skills are required.
• The candidate should be systematic, detail-oriented, punctual in customer handling, and sensitive to customer wait time.
• Good interpersonal skills, customer orientation, listening ability, and communication skills are important.

Additional Information

The role involves close coordination with the regional operations team, regional FCU officer, service quality executive, neighbouring banks, cash management agencies, and BC agents. No certification is required. Prepared by Priyanka Pal on 14-02-2024, reviewed by Jyothi Mohan on 15-02-2024, and last updated by TM Team on 17-02-2024.